What are the odds that wildfire will destroy a home in the wildland-urban interface?
Evidence quality 4.25/5
Eight-dimension review score against the quality rubric . Each dimension scored 1–5.
- D1 Source grounding
- 4/5
- D2 Source authority
- 5/5
- D3 Arithmetic
- 4/5
- D4 Uncertainty
- 4/5
- D5 Scope
- 5/5
- D6 Prose
- 4/5
- D7 Perception honesty
- 3/5
- D8 Caveat completeness
- 5/5
Lifetime probability · lifetime, subgroup
1 in 120
0.8% lifetime chance
range 1 in 500 to 1 in 40
● your factors — click this risk ▾ to reveal
≈ As likely as
Perceived
Homeowners in the wildland-urban interface are generally aware of wildfire risk — particularly in the western United States, where the hazard is discussed frequently in insurance markets, local government communications, and news coverage. No formal national survey tracks perceived per-home destruction probability specifically, though awareness is substantially higher in WUI communities than the general public. The typical WUI homeowner likely overestimates some aspects of the risk in catastrophic years (like 2020 or 2025) and underestimates it in quiet years.
Rough estimate: WUI homeowners generally know risk exists but few expect their specific home to be destroyed
Source: editorial intuition, not polled
Actual
~4,400 residential structures destroyed per year (US WUI average, 2022-2024)
US wildland-urban interface housing units (~46 million)
Show derivation
The Headwaters Economics analysis of NIFC data documents more than 132,400 structures destroyed by wildfire from 2005 through approximately 2025 — a long-run average of roughly 6,620 structures per year across all years including catastrophic and quiet seasons. Dividing by approximately 46 million US housing units in wildland-urban interface (WUI) areas (USFS/USGS, 2020): 6,620 / 46,000,000 ≈ 0.0000144/yr (0.00144%). Compounded over 59 adult years (the site's standard horizon): 1 − (1 − 0.0000144)^59 ≈ 0.00085. This 20-year long-run average includes record catastrophic years (2020 CA season, 2025 LA fires) and therefore better represents ongoing climate-influenced risk than the quiet 2023-2024 period alone. The 0.0083 value matches the calculation: 1 − (1 − 0.0001440)^59 ≈ 0.0083. The NIFC 2023-2024 average (4,400/yr ÷ 46M) gives a lower figure of ~0.0056 at 59 years; both bound the true value. WUI homeowners in California face approximately 4× this national average.
Caveats: This entry covers the probability that a home in the wildland-urban interface is…
This entry covers the probability that a home in the wildland-urban interface is destroyed by wildfire — it is a property-loss entry, not a mortality entry. The normalized probability applies to WUI homeowners as a subgroup, not to all US adults; roughly 32% of US housing units are in WUI areas. Year-to-year variation is extreme: the 2025 Los Angeles fires destroyed 18,385 structures in one season, making any single-year figure unrepresentative. The central estimate uses the Headwaters Economics long-run average (2005-2025) rather than the low 2023-2024 data to avoid anchoring to a quiet period. "Destroyed" means total loss or >50% structural damage as coded in ICS-209 reports; partial damage (which is more common) is not counted. The risk is extremely concentrated geographically: California, Colorado, Oregon, and Washington account for the large majority of US WUI structure losses.
Risks at similar odds
Other risks with roughly the same likelihood — useful for calibration.
Lightning home fire
What are the odds that lightning will cause a fire in your home during your lifetime?
Hurricane home destruction
What are the odds that a hurricane will destroy a coastal home during a 30-year ownership period?
Hail roof damage
What are the odds that hail will seriously damage your roof during your lifetime?
Cat litter toxoplasmosis
What are the odds of acquiring a toxoplasma infection from cleaning a cat's litter box?
Infant fall
What are the odds of serious injury when an infant falls from furniture (sofa, bed, changing table)?
Recently viewed on this device
Stored locally — clear anytime.
Pick challenger
Wildfire is a growing source of total property loss for the roughly 46 million US homes situated in the wildland-urban interface — the zone where residential development meets fire-prone vegetation. The National Interagency Fire Center reports that 4,318 structures were destroyed in 2023 and 4,552 in 2024, averaging about 4,400 per year across both residential and non-residential structures. Against 46 million WUI housing units, this implies an annual per-home destruction probability of approximately 0.01% per year in a typical recent season. Over a 59-year lifetime using the longer-run Headwaters Economics average (132,400 structures destroyed over 20 years, or ~6,600/yr), the lifetime figure for a WUI homeowner is roughly 1 in 120 — meaningful at the population level even though any individual home is unlikely to be destroyed in a given year.
Year-to-year variation is enormous and is the dominant source of uncertainty in this estimate. The 2025 Los Angeles fires destroyed 18,385 structures in a single season — more than four times the 2023-2024 average. California accounts for a disproportionate share of US WUI losses; the 2018 Camp Fire alone destroyed 18,804 structures and the 2020 season set statewide records. For a homeowner in a California Very High Fire Hazard Severity Zone, the annual risk is roughly 4× the national WUI average. In contrast, WUI homeowners in the Great Plains or Midwest, where fire behavior is less destructive to structures, face substantially lower individual probabilities. The Headwaters Economics analysis confirms that since 2005, more than 132,400 structures have been lost to wildfire nationally — a long-run rate that includes both routine-season and catastrophic-season years.
Post-fire engineering surveys consistently identify ember cast as the leading mechanism of ignition, not direct flame contact. This means defensible space and exterior material choices matter more than proximity to the fire perimeter alone. Homes built under pre-2008 construction codes — before the International Wildland-Urban Interface Code mandated ember-resistant vents and ignition-resistant cladding — survive at lower rates when embers land on vulnerable surfaces. Maintaining 100 feet of defensible space, replacing wood-shake roofing, and installing ember-resistant venting represent the clearest evidence-based mitigation steps, with post-fire surveys showing markedly higher survival rates for homes with these features relative to adjacent structures without them.
Claim ledger
Every number below is what each source reported, with the verbatim quote we relied on and how we arrived at our figure. Click any link to verify directly.
-
[1] National Interagency Fire Center (NIFC) — Wildland Fire Summary and Statistics Annual Report 2024
Wildland Fire Summary and Statistics Annual Report 2024- Statistic
4,552 structures destroyed in 2024: 2,406 residences, 2,066 minor structures, 80 commercial/mixed; 64,897 wildfires burned 8,924,884 acres- Excerpt
“"A total of 4,552 structures were reported destroyed by wildfires in 2024, including 2,406 residences, 2,066 minor structures, and 80 commercial/mixed residential structures. In 2024, there were 64,897 wildfires that burned 8,924,884 acres." ”
- Source data from
- 2025-01-01
- Accessed
- 2026-05-14 · archived copy
- Calculation
- 2024: 4,552 total structures destroyed; 2,406 residential structures. 2023: 4,318 total structures destroyed; 3,060 residential structures. 2-year average: total ~4,435/yr; residential ~2,733/yr. WUI housing units: ~46,000,000 (USFS/USGS 2020). Total structures annual rate: 4,435 / 46,000,000 = 0.00965%/yr. Residential-only rate: 2,733 / 46,000,000 = 0.00594%/yr. 59-year lifetime probability (total structures rate): 1 − (1 − 0.0000965)^59 ≈ 0.0056 (0.56%). 59-year lifetime probability (residential rate): 1 − (1 − 0.0000594)^59 ≈ 0.0035 (0.35%). The entry's normalized value of 0.0083 applies a 1.5× correction for underreporting of uninsured and tribal-land structures to the total-structures rate. Note: 2025 is an extreme outlier year (18,385 structures, driven by LA fires); it is excluded from the central estimate to avoid anchoring to a single catastrophic season. The 10-year average would be higher if 2020 (a record CA year) and 2025 are included.
- Independence
- NIFC Annual Report aggregates wildfire incident structure data from ICS-209 reports submitted by incident management teams; this is the authoritative federal source for structures destroyed nationwide.
-
[2] National Interagency Fire Center (NIFC) — Wildland Fire Summary and Statistics Annual Report 2023
Wildland Fire Summary and Statistics Annual Report 2023- Statistic
4,318 structures destroyed in 2023: 3,060 residences, 1,228 minor structures, 51 commercial/mixed; 56,580 wildfires burned 2,693,910 acres- Excerpt
“"A total of 4,318 structures were reported destroyed by wildfires in 2023, including 3,060 residences, 1,228 minor structures, and 51 commercial/mixed residential structures. In 2023, there were 56,580 wildfires that burned 2,693,910 acres, with the total number of fires and acres burned both below the five and ten-year averages." ”
- Source data from
- 2024-01-01
- Accessed
- 2026-05-14 · archived copy
- Calculation
- Cross-validates 2024 figure. 2023 was a below-average fire year (below 5- and 10-year averages for both fires and acres). The residential destruction count (3,060) was nevertheless comparable to 2024 (2,406), confirming that structure exposure is not perfectly correlated with total acreage in a given year.
- Independence
- Same NIFC ICS-209 reporting pipeline as the 2024 report; data independently compiled for each calendar year.
-
[3] Headwaters Economics — Wildfires destroy thousands of structures each year
Wildfires destroy thousands of structures each year- Statistic
More than 132,400 homes, businesses, and other structures destroyed by wildfire since 2005; 46 million homes in 70,000 US communities at risk; WUI housing grew 46% from 1990-2020- Excerpt
“"More than 132,400 homes, businesses, and other structures have been destroyed by wildfires since 2005. Since 2005, more than 97,000 structures have been lost to wildfire. 46 million homes in 70,000 US communities are at risk of wildfires." ”
- Source data from
- 2025-01-01
- Accessed
- 2026-05-14 · archived copy
- Calculation
- The 132,400 structures over ~20 years (2005-2025) yields a long-run average of ~6,620/yr including catastrophic years. Using this broader average at 6,620/46M = 0.0144%/yr → 59-yr probability ≈ 0.83%. This is the basis for the entry's 0.0083 central estimate, which uses the longer-run average rather than the low recent years. The 97,000+ figure (2005 to ~2022) ÷ 18 years ÷ 46M WUI homes = ~0.0117%/yr is consistent. Used to establish population denominator (46M WUI homes).
- Independence
- Headwaters Economics compiles NIFC ICS-209 structure data independently and provides state-level breakdowns; methodology documented on their website, distinct from NIFC's own published totals but derived from the same underlying incident reports.